Lending Programs — Legacy Mortgage Co.
The Programs

Six ways to finance the exceptional.

Legacy leans jumbo and portfolio by design — the loans that reward judgment over checklists. Every program below is underwritten in-house, by people whose names you will know.

Jumbo estate financing
Our Lead Discipline No. 01

Jumbo Lending

The heart of the house. Financing above conforming limits for primary residences, second homes, and select investment properties — priced sharply and closed quickly.

  • Loan amounts to $5M; scenarios above by exception
  • Rate locks up to 90 days, with float-down at no charge
  • As little as 10% down to $2M for qualified borrowers
  • Nine-day average clear-to-close on complete files
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Portfolio lending for complex profiles
No. 02

Portfolio Lending

Loans we hold on our own balance sheet, which means we answer to our own judgment. Built for complex income, entity vesting, and properties the agencies decline on principle.

  • Asset-depletion and bank-statement qualification
  • Vesting in trusts, LLCs, and family partnerships
  • Interest-only structures to preserve liquidity
  • Cross-collateralization for multi-property clients
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Conventional financing
No. 03

Conventional Financing

When a conforming loan is simply the right instrument, we execute it with the same care as a $5M jumbo — and often at pricing your bank cannot match.

  • Fixed and adjustable terms from 15 to 30 years
  • Rate locks up to 60 days at no cost
  • Ideal for pieds-à-terre and family purchases
  • Same senior principal, start to finish
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Construction and renovation financing
No. 04

Construction & Renovation

Ground-up builds and serious renovations, financed with a single closing. Your draws are administered by a dedicated principal who has read the plans — not a processing queue.

  • Single-close construction-to-permanent, to $5M
  • Interest-only during the build period
  • Draw inspections scheduled around your builder
  • Renovation lending against post-completion value
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Refinance a remarkable home
No. 05

Refinance & Cash-Out

A refinance should be a balance-sheet decision, not a rate chase. We model the whole picture — carrying cost, liquidity, tax posture — before recommending a structure.

  • Rate-and-term and cash-out to $5M
  • Recast options in lieu of refinancing where wiser
  • Equity release for acquisitions and investments
  • No-cost rate reviews for existing clients, annually
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First-time luxury purchase
No. 06

First-Time Luxury Buyer

For clients making their first significant purchase — often early in a substantial career — we underwrite trajectory, not just history.

  • Professional programs for physicians, partners, founders
  • RSU and carried-interest income considered
  • Reduced reserves for qualified professionals
  • Patient, unhurried guidance through the first close
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Uncertain Where You Fit?

Describe the property. We'll find the structure.

Most of our best loans did not fit neatly into a program at first glance. Begin an application and a senior loan principal will map the options within one business day.

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